One-scan and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device, currency token interface, point of sale device, and electronic payment card

ABSTRACT

Provided are computer implemented methods and systems for messaging, calling, and one-touch and one-scan payments and buying via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide a haptic control associated with the system. The haptic control is shown on a display of a mobile and wearable device overlapping other visual elements. The haptic control provides mode selection elements associated with a payment, messaging, and calling modes. The processor receives a selection of the payment mode via the mode selection elements from a user. Upon the selection, context is extracted from the display. Based on the context, a payment transaction type which the user intends to perform is determined. The payment transaction type includes a payment receiving transaction and a payment sending transaction. Based on the determining, a transaction request is sent to a financial institution using the extraction.

CROSS-REFERENCES TO RELATED APPLICATIONS

This application is a continuation-in-part of U.S. patent applicationSer. No. 15/343,227, entitled “SYSTEMS AND METHODS FOR MOBILEAPPLICATION, WEARABLE APPLICATION, TRANSACTIONAL MESSAGING, CALLING,DIGITAL MULTIMEDIA CAPTURE AND PAYMENT TRANSACTIONS”, filed on Nov. 4,2016, U.S. patent application Ser. No. 15/345,349, entitled “SYSTEMS ANDMETHODS FOR MESSAGING, CALLING, DIGITAL MULTIMEDIA CAPTURE AND PAYMENTTRANSACTIONS”, filed on Nov. 7, 2016; which is a continuation-in-part ofU.S. patent application Ser. No. 14/957,644, entitled “SYSTEMS ANMETHODS FOR MOBILE APPLICATION, WEARABLE APPLICATION, TRANSACTIONALMESSAGING, CALLING, DIGITAL MULTIMEDIA CAPTURE AND PAYMENTTRANSACTIONS”, filed on Dec. 3, 2015, which is a continuation-in-part ofU.S. patent application Ser. No. 14/815,988, entitled “SYSTEMS ANDMETHODS FOR MOBILE APPLICATION, WEARABLE APPLICATION, TRANSACTIONALMESSAGING, CALLING, DIGITAL MULTIMEDIA CAPTURE AND PAYMENTTRANSACTIONS”, filed on Aug. 1, 2015, which claims priority to U.S.patent application Ser. No. 13/760,214, entitled “WEARABLE PERSONALDIGITAL DEVICE FOR FACILITATING MOBILE DEVICE PAYMENTS AND PERSONALUSE”, filed on Feb. 6, 2013, which is a continuation-in-part of U.S.patent application Ser. No. 10/677,098, entitled “EFFICIENTTRANSACTIONAL MESSAGING BETWEEN LOOSELY COUPLED CLIENT AND SERVER OVERMULTIPLE INTERMITTENT NETWORKS WITH POLICY BASED ROUTING”, filed on Sep.30, 2003, which claims priority to Provisional Application No.60/415,546, entitled “DATA PROCESSING SYSTEM”, filed on Oct. 1, 2002,which are incorporated herein by reference in their entirety.

FIELD

This application relates generally to data processing, and morespecifically to methods and systems for one-touch and one-scan buyingand paying performed via a mobile and wearable device.

BACKGROUND

Mobile payments generally refer to payment operations performed via amobile or wearable device. The operations performed via mobile andwearable devices may include electronic commerce transactions, retailpurchasing, micropayments, and other daily payments. Mobile payments mayutilize credit cards, debit cards, gift cards, and virtual currencies.While mobile payments facilitate and stimulate the trade, the procedureof providing financial details and authenticating of identity may betedious and time-consuming. Therefore, the convenience of mobilepayments for daily micropayments is hindered.

SUMMARY

This summary is provided to introduce a selection of concepts in asimplified form that are further described below in the DetailedDescription. This summary is not intended to identify key features oressential features of the claimed subject matter, nor is it intended tobe used as an aid in determining the scope of the claimed subjectmatter.

Provided are computer implemented methods and systems for messaging,calling, and one-touch and one-scan payments and buying via a mobile andwearable device. Using the methods or systems described herein a usermay perform facilitated electronic payments from any location. For thispurpose, the user may register with the messaging, calling, andone-touch and one-scan payment and buying system. During theregistration the user may provide his financial information. Thefinancial information may include bank account information, credit cardinformation, debit card information, gift card information, prepaid cardinformation, insurance account information, merchant accountinformation, mobile currency information, digital money account, SDKpayment information, in-app payment information, social networkingpayment information, prepaid card information, API payment information,mobile account payment information, mobile currency information, and soforth. When required, the user may activate a haptic control associatedwith a messaging, calling, and one-touch and one-scan payment and buyingsystem. The haptic control may be displayed over the video output of thedevice and overlap other applications or pages. The haptic control mayprovide for mode selection elements associated with a payment mode, amessaging mode, a calling mode, and a multimedia capture mode. Throughthe haptic control the messaging, calling, and one-touch and one-scanpayment and buying system may receive the selection of the payment modevia the mode selection elements of the haptic control from a user. Uponthe selection, context may be extracted from the display of the mobileand wearable device. Based on the context, a payment transaction typewhich the user intends to perform be determined. The payment transactiontype may include a payment receiving transaction and a payment sendingtransaction. Based on the determining, a transaction request may begenerated using data of the extraction and the financial information ofthe user provided during the registration.

To the accomplishment of the foregoing and related ends, the one or moreaspects comprise the features hereinafter fully described andparticularly pointed out in the claims. The following description andthe drawings set forth in detail certain illustrative features of theone or more aspects. These features are indicative, however, of but afew of the various ways in which the principles of various aspects maybe employed, and this description is intended to include all suchaspects and their equivalents.

BRIEF DESCRIPTION OF DRAWINGS

Embodiments are illustrated by way of example and not limitation in thefigures of the accompanying drawings, in which like references indicatesimilar elements and in which:

FIG. 1 is a block diagram showing an environment within which a systemfor messaging, calling, and one-touch and one-scan payment and buyingsystem and a method of using thereof can be implemented, in accordancewith an example embodiment.

FIG. 2 is a block diagram showing various modules of the messaging,calling, and one-touch and one-scan payment and buying system, inaccordance with certain embodiments.

FIG. 3 is a flow chart illustrating a method for messaging, calling, andone-touch and one-scan payments and buying via a mobile and wearabledevice, in accordance with certain embodiments.

FIG. 4 is a block diagram illustrating a haptic control, in accordancewith certain embodiments.

FIG. 5 is a block diagram illustrating a one-touch and one-scan paymentand buying operation using the messaging, calling, and one-touch andone-scan payment and buying system, in accordance with certainembodiments.

FIG. 6 is a block diagram showing various modules of a messaging,calling, and one-touch and one-scan payment and buying mobile serviceusing a one-touch button, in accordance with certain embodiments.

DETAILED DESCRIPTION

In the following description, numerous specific details are set forth inorder to provide a thorough understanding of the presented concepts. Thepresented concepts may be practiced without some or all of thesespecific details. In other instances, well known process operations havenot been described in detail so as to not unnecessarily obscure thedescribed concepts. While some concepts will be described in conjunctionwith the specific embodiments, it will be understood that theseembodiments are not intended to be limiting.

Various computer implemented methods and systems for messaging, calling,and one-touch and one-scan payments and buying via a mobile and wearabledevice are described herein. The described system enables a user to makeand request payments using a mobile device by one touch. To facilitateaccess to the system, the user initiates the system. When the system isinitiated, a one-touch button is shown on a display of the mobile deviceon top of other applications and/or widgets. The one-touch button has atleast three controls to activate messaging, calling, or one-touch andone-scan payment. One-touch payment control, when activated, determineswhether the user intends to make a payment or to request a payment bythe context in view on the display and performs the correspondingoperation. Such accelerated payment procedure may facilitate electronicpurchases and stimulate electronic trade.

Referring now to the drawings, FIG. 1 illustrates an environment 100within which messaging, calling, and one-touch and one-scan payment andbuying system and a method of using thereof can be implemented. Theenvironment 100 may include a user 120, a client device 130, network110, a messaging, calling, and one-touch and one-scan payment and buyingsystem 200. On a user request, the messaging, calling, and one-touch andone-scan payment and buying system 200 may provide a haptic control on adisplay of the client device 130. The haptic control may include, forexample, a one-touch button. The client device 130 may include a smartphone, a tablet PC, a lap top, an augmented reality glasses, a smartwatch, and so forth.

Via the haptic control, the user 120 may exchange messages 160 with arecipient 140, make calls 170, and perform or request one-touch andone-scan payments 180. The messages 160, calls 170, and one-touch andone-scan payments 180 are transmitted to the system 200 and further tothe recipient 140 or payee (not shown) via the network 110 using theclient device 130.

The network 110 may include the Internet or any other network capable ofcommunicating data between devices. Suitable networks may include orinterface with any one or more of, for instance, a local intranet, a PAN(Personal Area Network), a LAN (Local Area Network), a WAN (Wide AreaNetwork), a MAN (Metropolitan Area Network), a virtual private network(VPN), a storage area network (SAN), a frame relay connection, anAdvanced Intelligent Network (AIN) connection, a synchronous opticalnetwork (SONET) connection, a digital T1, T3, E1 or E3 line, DigitalData Service (DDS) connection, DSL (Digital Subscriber Line) connection,an Ethernet connection, an ISDN (Integrated Services Digital Network)line, a dial-up port such as a V.90, V.34 or V.34b is analog modernconnection, a cable modem, an ATM (Asynchronous Transfer Mode)connection, or an FDDI (Fiber Distributed Data Interface) or CDDI(Copper Distributed Data Interface) connection. Furthermore,communications may also include links to any of a variety of wirelessnetworks, including WAP (Wireless Application Protocol), GPRS (GeneralPacket Radio Service), GSM (Global System for Mobile Communication),CDMA (Code Division Multiple Access) or TDMA (Time Division MultipleAccess), cellular phone networks, GPS (Global Positioning System), CDPD(cellular digital packet data), RIM (Research in Motion, Limited) duplexpaging network, Bluetooth radio, or an IEEE 802.11-based radio frequencynetwork. The network 110 can further include or interface with any oneor more of an RS-232 serial connection, an IEEE-1394 (Firewire)connection, a Fiber Channel connection, an IrDA (infrared) port, a SCSI(Small Computer Systems Interface) connection, a Universal Serial Bus(USB) connection or other wired or wireless, digital or analog interfaceor connection, mesh or Digi® networking. The network 110 may include anysuitable number and type of devices (e.g., routers and switches) forforwarding commands, content, and/or web object requests from eachclient to the online community application and responses back to theclients.

FIG. 2 is a block diagram showing various modules of the messaging,calling, and one-touch and one-scan payment and buying system 200, inaccordance with certain embodiments. The system 200 may comprise aprocessor 202 a database 204, and a haptic control 206. The processor202 may include a programmable processor, such as a microcontroller,central processing unit (CPU), and so forth. In other embodiments, theprocessor 202 may include an application-specific integrated circuit(ASIC) or programmable logic array (PLA), such as a field programmablegate array (FPGA), designed to implement the functions performed by thesystem 200. Thus, the processor 202 may provide a haptic controlassociated with a messaging, calling, and one-touch and one-scan paymentand buying system. The haptic control may be represented, for example,by a one-touch button shown on a display of a mobile and wearabledevice. The haptic control may overlap other visual elements on thedisplay so that the haptic control was always visible for the user andnot hidden by other screens. In some embodiments, the haptic control 206may be integrated with a mobile application associated with the mobileand wearable device and/or the system 200. One touch service may beintegrated with import and export service for international trade andtrade assurance (ITTA) services. The one touch service may further helpwith customs clearance preparation and assist in foreign exchangecollections with just a tag and one touch payment on a computer screen.Furthermore, the one touch service may be integrated into an onlineplatform providing professional import and export business processoutsourcing (IEBPO) services to cross border trade enterprises, andbring business process operations online and set up credit system forthe trade enterprises with only one touch payment. The haptic controlmay provide mode selection elements associated with a payment mode, amessaging mode, a calling mode, and multimedia capture mode. Theprocessor 202 may further receive the selection of the payment mode viathe mode selection element of the haptic control 206 from a user. Whenthe payment mode is selected, the processor may extract context from thedisplay of the mobile and wearable device. The context may includeinformation on a web page, an application screen, or a message in viewon the display. For example, the context may include a check-out page ofan online shop. Based on the context, the processor 202 may determine apayment transaction type (i.e. a payment receiving transaction or apayment sending transaction) which the user intends to perform. For thispurpose, the processor 202 may parse the context and identify key wordsassociated with a specific payment transaction type. For instance, thepayment sending transaction may be associated with the following keywords: “check-out,” “cart,” and so forth. According to the determinedtransaction, a transaction request may be sent to a financialinstitution using the information extracted from the context andfinancial information of the user stored in the database 204. Thefinancial information may include one or more of the following: bankaccount information, credit card information, debit card information,gift card information, prepaid card information, insurance accountinformation, merchant account information, mobile currency information,and digital money. More specifically, the one touch service mayconsolidate scattered service resources of different sorts for crossborder trade partners and provide professional services includingcustoms clearance, logistics, trade insurance, financing services andfreight forwarding services. The one touch service may be integratedwith e-commerce company providing consumer-to-consumer,business-to-consumer and business-to-business sales services via webportals. In some embodiments, the transaction request may be associatedwith a virtual currency. The one touch service may provide a third-partyonline escrow (TPOE) service, in which buyers can verify whether theyare happy with goods they have bought before releasing payment to theseller. The one touch service company may provide a microcredit, i.e.very small loans (microloans), to impoverished borrowers who typicallylack collateral, steady employment and a verifiable credit history,which is designed not only to support entrepreneurship and alleviatepoverty, but also in many cases to empower women and uplift entirecommunities by extension. The one touch service may further beintegrated with the third-party online payment platform, which providesan escrow service, in which consumers can verify whether they are happywith goods they have bought before releasing money to the seller, whichprovides the safest way to transact online, where the funds are held intrust, no chargebacks or reversals.

The transaction request may be sent without requesting financialinformation, authorizing, or confirmations from the user. However, insome embodiments, the user, with the help of options of the system 200,may select to receive a confirmation request before sending thetransaction request. When this option is selected, a confirmationrequest associated with the transaction request may be provided to theuser on the display before the transaction request is transmitted.

Furthermore, the user may select a messaging mode via the mode selectionelements of the haptic control 206. Then, the processor may provide amessaging interface on the display of the mobile and wearable device.When a message and a choice of a recipient is received from the user viathe messaging interface, the processor 202 may send the message to therecipient via a data network.

If the calling mode is selected via the haptic control 206, theprocessor 202 may provide a calling interface on the display of themobile and wearable device. Via the calling interface, the processor 202may receive a call recipient from the user and initiate a data networkcall to the call recipient. The data network call may be made via a freeVoice over IP (VoIP) service, a free Over-the-Top (OTT) service, and soforth.

If the multimedia mode is selected via the haptic control 206, theprocessor 202 may initiate one or more sensors to capture multimedia toobtain captured multimedia. The processor 202 may analyze a duration ofthe single touch to the section element of the one-touch buttonassociated with the multimedia capture mode. Based on the analysis, theprocessor 202 may determine a type of the captured multimedia to berecorded: an image and a video recording. For example, if the durationof the single touch to the section element of the one-touch buttonassociated with the multimedia capture mode is one second, the capturedmultimedia may be processed to generate an image, if the duration ismore than one second, a video recording may be produced. The videorecording may be captured while the single touch to the section elementof the one-touch button associated with the multimedia capture modelasts. The captured multimedia may be recorded to the database.

FIG. 3 is a flow chart illustrating a method 300 for messaging, calling,and one-touch and one-scan payments and buying via a mobile and wearabledevice, in accordance with some example embodiments. The method 300 maybe performed by logic that may comprise hardware (e.g., dedicated logic,programmable logic, and microcode), software (such as software run on ageneral-purpose computer system or a dedicated machine), or acombination of both. In one example embodiment, the processing logicresides at the system 200 for providing compensation for using a mobilepayment service, and the various elements of the system 200 can performthe method 300. It will be appreciated by one of ordinary skill thatexamples of the foregoing modules may be virtual, and instructions saidto be executed by a module may, in tact, be retrieved and executed bysoftware. Although various elements may be configured to perform some orall of the various operations described herein, fewer or more elementsmay be provided and still fall within the scope of various embodiments.

As shown in FIG. 3, the method 300 may commence at operation 302 withreceiving payment information associated with a user. The paymentinformation may be also associated with a mobile payment account of theuser in a messaging, calling, and one-touch and one-scan payment andbuying system. At operation 304, a unique code encoding the paymentinformation is generated. The unique code is provided to the user atoperation 306.

At operation 308, the method continues with providing a haptic controlon the display of the mobile and wearable device. The haptic controlincludes mode selection elements associated with a payment mode, amessaging mode, a calling mode, and a multimedia capture mode. Thehaptic control may be providing on receiving a request to initiate thehaptic control from the user. To initiate the haptic control, the usermay be prompted to provide a password, a code, a voice command,biometric data, and so forth. The user may interact with the hapticcontrol by touch to a specific area of the haptic control associatedwith one of the mode selection elements. Additionally, the selection ofthe activity mode may include a voice command, a move command, and soforth. When the user touches one of the mode selection elements, thesystem determines which of the elements was touched.

At operation 310, a selection of the payment mode via the mode selectionelements of the haptic control is received from the user. Upon theselection, context is extracted from the display at operation 312.Information from the screen in view on the mobile and wearable deviceand be captured and analyzed to identify the context. Based on thecontext, a payment transaction type to be performed may be determined atoperation 314. Thus, it may be determined whether the user is performinga payment or requesting a payment based on the information on thedisplay of the mobile and wearable device.

Based on the determining of the payment transaction type, a transactionrequest associated with the determined payment transaction type may besent at operation 316. The transaction request may include the extractedinformation and/or financial data and authorizing data associated withthe user. The financial data and authorizing data may be provided by theuser during registration and stored by the messaging, calling, andone-touch and one-scan payment and buying system. The financialinformation may include bank account information, credit cardinformation, debit card information, gift card information, prepaid cardinformation, insurance account information, merchant accountinformation, mobile currency information, digital money, and so forth.The transaction request may be sent to a financial operation forprocessing. The financial organization performing the payment may be abank, a credit company, a virtual currency system, and so forth.

If the transaction request is associated with the payment sendingtransaction, a deposit amount associated with the payment sendingtransaction related to the user may be received at operation 318.Further, at operation 320, a notification about a further paymentsending transaction of the user may be received via the mobile paymentservice. The notification may include at least the unique code and apayment amount of the further payment sending transaction. Based on thenotification, a compensation, a rebate, a cashback, and/or a reward maybe provided to the user from the deposit amount. The compensation, therebate, the cashback, and/or the reward may be associated with thepayment amount associated with the further payment sending transactionand may amounts o a predetermined percent from the payment amount.

Furthermore, if the messaging mode is selected via the haptic control,the system 200 of FIG. 2 may provide to the user a messaging interfaceon the mobile and wearable device. Through the messaging interface amessage may be received from the user and sent to a recipient via a datanetwork. The message may include a text, an audio, a video, andgeographical data. Additionally, messages may be received from otherusers. The haptic control may notify the user that one or more messageswere received. The user may activate the messaging interface to readand/or reply to the messages.

If the calling mode is selected, a calling interface may be provided tothe user. The user may select a call recipient in his contacts and makea call request. The system 200 may receive the call request from theuser. Based on the call request, the system 200 may initiate a datanetwork call. The call may include an audio call, a video call, aholographic video call, and so forth. The call may be performed via aVoice over IP (Von′) service, a free Over-the-Top (OTT) service, and soforth. The free VoIP service and the free OTT service include voicecommunication, fax, text messaging, voice messaging, videocommunication, and multimedia transmission. In various embodiments, thefree VoIP service and the free OTT service are provided via Wi-Fi, 3Gnetwork, 4G network, 5G network, 6G network or upper.

On selection of the multimedia mode, one or more sensors may beinitiated to capture multimedia to obtain captured multimedia. Aduration of the single touch to the section element of the one-touchbutton associated with the multimedia capture mode may be analyzed.Based on the analysis, a type of the captured multimedia may bedetermined: an image and a video recording. When the type if determined,the captured multimedia may be recorded to the database according to thetype determined based on the duration. For instance, if the duration ofthe single touch to the section element of the one-touch buttonassociated with the multimedia capture mode is one second, an image isrecorded to the database, if the duration is more than one second, avideo recording may be stored to the database.

In an example embodiment, the system 200 may authenticate an identity ofthe user. The authentication may include one or more of the following: apassword authentication, a voice authentication, and a biometricauthentication. The biometric authentication may include one or more ofa fingerprint authentication, an iris pattern authentication, aheartbeat authentication, a vein pattern identification, and so forth.The vein pattern identification may be performed using scanning of oneor more of the following: a palm vein pattern, a wrist vein pattern, ahand vein pattern, a leg vein pattern, a foot vein pattern, a neck veinpattern, and a head vein pattern of the user. The fingerprintauthentication may include scanning fingerprints swiped across one ormore or the following: a screen of the mobile and wearable device, abutton of the mobile and wearable device, a rear panel of the mobile andwearable device, and so forth.

In an example embodiment, the system 200 may receive, based on thedetermining of the payment transaction type which the user intends toperform, data of a payment card associated with the user. The data ofthe payment card may be received by scanning the payment card. Thepayment card may be scanned by a camera of the mobile and wearabledevice by positioning the payment card in proximity to camera of themobile and wearable device. The payment card may be associated with oneor more of the following: a bank account of the user, a virtual currencyaccount of the user, and the like. The bank account of the user and thevirtual currency account of the user may be linked to a mobile andwearable device number.

In an example embodiment, the data of the payment card may be storedinto a cloud network. In some embodiments, the data of the payment cardmay be stored in the cloud network as a token.

In some embodiments, the transaction request may include a unique codeassociated with the user. The unique code may encode at least bankaccount information of the user and a payment amount. In furtherembodiments, the unique code may be displayed on the mobile and wearabledevice for scanning by the merchant.

In a further example embodiment, the system 200 may receive product databased on scanning of the product data by the mobile and wearable deviceassociated with the user. The product data may be associated with one ormore products. Upon receiving of the scanning, the system 200 maycalculate a total price for the one or more products. Furthermore,merchant data may be received. In some embodiments, the merchant datamay be received by scanning a code associated with the merchant. Ascanned code associated with the merchant may include at least a QuickResponse (QR) code associated with the merchant. The QR-code associatedwith the merchant can be stored in the mobile and wearable device of theuser. The QR-code associated with the merchant may encode at least amerchant account number. In further embodiments, the transaction requestmay comprise at least the total price and the merchant data.

The system 200 may determine that the total price for the one or moreproducts exceeds a predetermined price. Based on the determining, thesystem 200 may send a notification to a merchant.

In some embodiments, the transaction request may include at least a userphone number. In such a case, the payment sending transaction mayinclude sending a payment from a phone account of the user to a merchantaccount.

In further embodiments, the payment receiving transaction and thepayment sending transaction may be performed by pairing of the mobileand wearable device and a merchant device using a reader. The reader maybe connected to the merchant device and plugged into the mobile andwearable device.

In some embodiments, the mobile application associated with the mobileand wearable device and the system 200 may be integrated into a softwaredevelopment kit and an operating system of the mobile and wearabledevice. The operating system may be selected from iOS, Android, andWindows Phone. Upon launch of the mobile application by the user, theuser may be prompted to log in and asked to provide a consent that themobile application may initiate future payments on behalf of the user.Additionally, during further purchases the mobile application may belaunched by default without a need for a further action (such asentering a login and a password by the user) from the user to initiatelaunching of the mobile application. The mobile application mayassociated with performing payments and buying products or services inthe Internet.

Thus, one-touch and one-scan payment and buying features may improvebuying experience for customers and merchant. Additionally, for the userthat pays and buys products and services using the mobile applicationassociated with one-touch and one-scan payment and buying, the number oftaps and times the user is required to enter a user login(identification number) and a password for future purchases may beminimized.

In some embodiments, upon launching of the at least one mobileapplication by the user, a list of payment cards may be provided forselection by the user. The payment cards may be associated with one ormore of the following: a bank account, a bank mobile account, a serviceprovider account, a digital currency, a universal national currencytoken interface, a national digital currency, an electric payment card,and the like. Upon the selection, a token may be sent to the mobile andwearable device. The token may be associated with a selected paymentcard, and further payments may be performed using the token.

In further embodiments, the processor of the system 200 may be furtherconfigured to download applications, receive and set text, video, andmultimedia data.

FIG. 4 is a block diagram 400 illustrating a haptic control, inaccordance with certain embodiments. The haptic control 414 may be shownon the display 410 of the mobile and wearable device 412. The hapticcontrol may include one or more mode selection elements. The modeselection elements may include a messaging mode 402, a calling mode 404,and a payment mode 406. A user 408 may give a haptic command (e.g.touch) to select a desired mode. If the user select the payment mode406, a transaction request may be generated.

The transaction request may be generated using data of a mobileapplication or a page from which the payment mode is activated. Forexample, the user may activate the payment mode from a purchase page ofan online store. The payment may be immediately initiated withoutrequesting further details. Data of a payment recipient and a paymentamount may be received from the actual page or application and financialinformation of the user may be stored in the database of the messaging,calling, and one-touch and one-scan payment and buying system 200. Theuser financial information may be provided by the user duringregistration with the messaging, calling, and one-touch and one-scanpayment and buying system 200 and may include one or more of thefollowing: bank account information, credit card information, debit cardinformation, gift card information, prepaid card information, insuranceaccount information, merchant account information, mobile currencyinformation, digital money, and so forth. Online payments can be securedby two-factor authorization. One of the factors may be authorization onthe integrated interface initiation, and the other factor may includelocating the mobile and wearable device associated with the user andcomparing the location with the location where the payment is requested.

Alternatively, the transaction request may be generated using data of apage associated with billing. In that case, the system 200 may generatea payment request using information extracted from the page as well asthe financial information of the user stored in the system 200.

Transactions can be associated with transactional payments based onUnstructured Supplementary Service Data (USSR) or Short Message Service(SMS), direct operator billing, credit card mobile payments, onlinewallets, QR code payments, contactless near field communication (NFC),cloud-based mobile payments, audio signal-based payment, Bluetooth LowEnergy (BLE) signal beacon payment, in-application payment, SDK payment,API payment, social networking payment, and direct carrier/bankco-operation.

Contactless NFC may be used to receive data for the payment request. Forexample, when the one touch and one-scan payment mode is selected, theuser may make a payment for purchases in physical stores ortransportation services. The mobile and wearable device may be equippedwith a smart card. When a user waves the mobile and wearable device neara radar module, a payment is made. In some cases, the payment mayrequire authentication. The NFC payment could be deducted from apre-paid account or changed to a mobile or band account directly. NFCpayment may include displaying a barcode on the mobile device screen formobile payment. The payment barcode can include one or more of thefollowing: a linear barcode, a two-dimensional barcode, athree-dimensional barcode, a machine readable code, and so forth.

The audio channel of the mobile phone may be another wireless interfacethat is used to receive data for a transaction request. Chip, ultrasound and acoustic features of the mobile and wearable device maysupport mobile payments. Near sound data transfer (NDST), data overvoice and NFC produce audio signatures that the mobile phone can pick upto enable electronic transactions.

In some embodiments, the payment receiving transaction and the paymentsending transaction are performed using a NFC. The NFC may be used topair the mobile and wearable device and a merchant device by bringingthe mobile and wearable device into proximity to the merchant device.The mobile and wearable device and the merchant device may be connectedto a cloud network. The financial data and authorizing data associatedwith the user may be stored in the cloud network. The one touch servicemay further be integrated with electronic payment services, a shoppingsearch engine and data-centric cloud computing services. Morespecifically, the one touch service may be integrated with a third-partyonline payment platform without charge, but earn interests on depositand short time payment cash deposit. The one touch service company mayfurther operate worldwide online payments system that supports onlinemoney transfers and serves as an electronic alternative to traditionalpaper methods like checks and money orders. More specifically, one touchservice company may operate as a payment processor for online vendors,auction sites and other commercial users, for which it charges a fee. Inan example embodiment, upon pairing the mobile and wearable device withthe merchant device, a Bluetooth connection between the mobile andwearable device and the merchant device may be established. The paymentreceiving transaction and the payment sending transaction may include atleast a pear-to-pear transaction.

In some embodiments, a beacon mobile payment sends out a Bluetooth LowEnergy (BLE) signal to anyone or any device with mobile application totransfer payment data and get electronic receipt. When a customer checksin, their picture and name may pop up on the retailer's point-of-salesystem, when a sales associate at the store totals a bill on a cashregister or a card-reading terminal, the beacon mobile payment usergives verbal confirmation to the associate, who matches the customerwith the picture on the POS screen and concludes the transaction.

FIG. 5 is a block diagram illustrating a one-touch payment operation 500using the messaging, calling, and one-touch and one-scan payment system,in accordance with certain embodiments. The user selects a payment mode504 using a one-touch button 502 (i.e. haptic control). The userselection may be transmitted to the system 200, and the system maydetermine information on a page 506 in view on the display. The system200 may automatically provide financial information of the user on thepage 506 and automatically initiate a payment.

FIG. 6 is a block diagram showing various modules of a messaging,calling, and one-touch payment and buying mobile platform shown as amessaging, calling, and one-touch payment mobile service 600 using aone-touch button 608, in accordance with certain embodiments. Themessaging, calling, and one-touch payment mobile service 600 may includea central processing unit (CPU) 604, for example, associated with aremote server 602, a database 606 storing financial information of auser, and a one-touch button 608 presented on a device of the user. TheCPU 604 may provide the one-touch button 608 on a display of a mobileand wearable device. The one-touch button 608 may overlap other visualelements on the display. The CPU 604 may receive a selection of thepayment mode via the mode selection elements of the one-touch button 608from a user. The selection may include a single touch of the user to theone-touch button 608. Upon the selection, the CPU 604 may extractcontext from the display of the mobile and wearable device to determinea payment transaction type which the user intends to perform. Based onthe determining, the CPU 604 may send a transaction request to afinancial institution using the extraction and financial data stored inthe database 606 without requesting financial information, authorizing,or confirmations.

In some embodiments, the user may select one of the stored paymentaccounts to perform a payment. Authentication may be made when the useraccesses the messaging, calling, and one-touch payment mobile service600. The authentication may include password authentication, voiceauthentication, biometric authentication, and so forth.

Furthermore, using the messaging, calling, and one-touch payment mobileservice 600 the user may create automatic payments. For example, theuser may give instructions to transfer 1$ to a specific account everyweek day at 1:25 PM. The messaging, calling, and one-touch paymentmobile service 600 may receive the instructions and automaticallyperform the payment according to the instructions. After a predefinedperiod, for example, after one month, or every week, or every year, themessaging, calling, and one-touch payment mobile service 600 may promptthe user either to prolong the automatic payment or to cancel thepayment.

Thus, various systems and methods for messaging, calling, and one-touchand one-scan payments and buying via a mobile and wearable device havebeen described. Although embodiments have been described with referenceto specific example embodiments, it will be evident that variousmodifications and changes may be made to these embodiments withoutdeparting from the broader spirit and scope of the system and methoddescribed herein. Accordingly, the specification and drawings are to beregarded in an illustrative rather than a restrictive sense.

What is claimed is:
 1. A method for messaging, calling, and one-touchand one-scan payments and buying using a mobile and wearable device, themethod comprising: receiving, by a processor the mobile and wearabledevice, payment information associated with a user, the paymentinformation being associated with a mobile payment account of the userin a messaging, calling, and one-touch and one-scan payment and buyingsystem; generating, by the processor, a unique code, the unique codeencoding the payment information; providing, the processor, the uniquecode to the user; providing, by the processor, a haptic controlassociated with the messaging, calling, and one-touch and one-scanpayment and buying system, wherein the haptic control is shown on adisplay of the mobile and wearable device overlapping other visualelements, the haptic control providing mode selection elementsassociated with a payment mode, a messaging mode, and a calling mode;receiving, by the processor, a selection of the payment mode via themode selection elements of the haptic control from a user; upon theselection, extracting, by the processor, context from the display of themobile and wearable device, wherein the context includes a web page, anapplication screen, or a message in view on the display; based on thecontext, determining, by the processor, a payment transaction type whichthe user intends to perform, wherein the payment transaction typeincludes a payment receiving transaction and a payment sendingtransaction; based on the determining, automatically sending atransaction request to a financial institution without requestingfinancial information, authorizing, or confirmations; if the transactionrequest is associated with the payment sending transaction, receiving,by the processor, a deposit amount associated with the payment sendingtransaction related to the user; receiving, by the processor, anotification about a further payment sending transaction of the user viathe mobile payment service, the notification including at least theunique code and a payment amount of the further payment sendingtransaction; providing one of a compensation, a rebate, a cashback, anda reward from the deposit amount to the user, the one of thecompensation, the rebate, the cashback, and the reward being associatedwith the payment amount associated with the further payment sendingtransaction, wherein the one of the compensation, the rebate, thecashback, and the reward amounts to a predetermined percent from thepayment amount.
 2. The method of claim 1, wherein the haptic control isintegrated with at least one mobile application associated with themobile and wearable device; wherein one touch service is integrated withimport and export service for international trade and trade assurance(ITTA) services; wherein the one touch service help with customsclearance preparation and assistance in foreign exchange collectionsjust a tag and one touch payment on computer screen; wherein the onetouch service integrated with online platform providing professionalimport and export business process outsourcing (IEBPO) services to crossborder trade enterprises, and bring business process operations onlineand set up credit system for the trade enterprises with only one touchpayment.
 3. The method of claim 1, wherein the financial data andauthorizing data associated with the user is provided by the user duringregistration and stored in the messaging, calling, and one-touch andone-scan payment and buying system; wherein the one touch serviceintegrated with electronic payment services, a shopping search engineand data-centric cloud computing services; wherein the one touch serviceintegrated with a third-party online payment platform without charge,but earn interests on deposit and short time payment cash deposit;wherein the one touch service company operating worldwide onlinepayments system that supports online money transfers and serves as anelectronic alternative to traditional paper methods like checks andmoney orders; wherein one touch service company operates as a paymentprocessor for online vendors, auction sites and other commercial users,for which it charges a fee.
 4. The method of claim 1, wherein thedetermining includes parsing of the context extracted from the display.5. The method of claim 1, further comprising: receiving, by theprocessor, a selection of the messaging mode via the mode selectionelements of the haptic control from the user; upon the selection,providing, by the processor, a messaging interface on the display of themobile and wearable device; receiving, by the processor, via themessaging interface, a message and a choice of a recipient from theuser; and sending, by the processor, the message to the recipient via adata network.
 6. The method of claim 1, further comprising: receiving,by the processor, a selection of the calling mode via the mode selectionelements of the haptic control from the user; upon the selection,providing, by the processor, a calling interface on the display of themobile and wearable device; and receiving, by the processor, via thecalling interface, a call recipient from the user; and performing, bythe processor, the call with the call recipient via a data network. 7.The method of claim 6, wherein the call is performed via a Voice overInternet Protocol (VoIP) service, the VoIP service being provided viaWi-Fi, 3G network, 4G network, 5G network, 6G network or upper.
 8. Themethod of claim 6, wherein the call is selected from a group comprising:an audio call, a video call, and a holographic video call.
 9. The methodof claim 1, wherein the financial information includes one or more ofthe following: bank account information, credit card information, debitcard information, gift card information, prepaid card information,insurance account information, merchant account information, mobilecurrency information, and digital money; wherein the one touch serviceconsolidating scattered service resources of different sorts for crossborder trade partners and provide professional services includingcustoms clearance, logistics, trade insurance, financing services andfreight forwarding services; wherein the one touch service integratedwith e-commerce company that provides consumer-to-consumer,business-to-consumer and business-to-business sales services via webportals.
 10. The method of claim 1, wherein the transaction request isassociated with a virtual currency; wherein the one touch serviceprovides a third-party online escrow (TPOE) service, in which buyers canverify whether they are happy with goods they have bought beforereleasing money to the seller; wherein the one touch service companyproviding microcredit very small loans (microloans) to impoverishedborrowers who typically lack collateral, steady employment and averifiable credit history, wherein designed not only to supportentrepreneurship and alleviate poverty, but also in many cases toempower women and uplift entire communities by extension; wherein theone touch service integrated with the third-party online paymentplatform, wherein provides an escrow service, in which consumers canverify whether they are happy with goods they have bought beforereleasing money to the seller, wherein providing the safest way totransact online, wherein the funds are held in trust, no chargebacks, orreversals.
 11. A messaging, calling, and one-touch and one-scan paymentand buying system comprising: a processor configured to: provide ahaptic control associated with a messaging, calling, and one-touch andone-scan payment and buying system, wherein the haptic control is shownon a display of a mobile and wearable device overlapping other visualelements, the haptic control providing mode selection elementsassociated with a payment mode, a messaging mode, and a calling mode;receive a selection of the payment mode via the mode selection elementsof the haptic control from a user; upon the selection, extract contextfrom the display of the mobile and wearable device, wherein the contextincludes a web page, an application screen, or a message in view on thedisplay; based on the context, determine a payment transaction typewhich the user intends to perform, wherein the payment transaction typeincludes a payment receiving transaction and a payment sendingtransaction; and based on the determining, automatically send atransaction request to a financial institution using the extractionwithout requesting financial information, authorizing, or confirmations,wherein the transaction request includes a unique code associated withthe user and displayed on the mobile and wearable device, the uniquecode encoding at least bank account information, a total price, merchantdata, and a user phone number; and a database in communication with theprocessor, the database configured to store at least the financialinformation.
 12. The system of claim 11, wherein the haptic control isintegrated with at least one mobile application associated with themobile and wearable device, wherein the at least one mobile applicationis integrated into a software development kit and an operating system ofthe mobile and wearable device, wherein the operating system is selectedfrom a group comprising: iOS, Android, and Windows Phone, wherein, uponlaunching of the at least one mobile application by the user, the useris prompted to log in and asked to provide a consent that the at leastone mobile application initiates future payments on behalf of the user,wherein during further purchases the at least one mobile application islaunched by default without a need for a further action from the user toinitiate launching of the at least one mobile application, the furtheraction including entering a login and a password by the user, whereinthe at least one mobile application is associated with performingpayments and buying products or services in the Internet, wherein onetouch service is integrated with import and export service forinternational trade and trade assurance (ITTA) services; wherein the onetouch service help with customs clearance preparation and assistance inforeign exchange collections just a tag and one touch payment oncomputer screen; wherein the one touch service integrated with onlineplatform providing professional import and export business processoutsourcing (IEBPO) services to cross border trade enterprises, andbring business process operations online and set up credit system forthe trade enterprises with only one touch payment.
 13. The system ofclaim 12, wherein upon launching of the at least one mobile applicationby the user, a list of payment cards is provided for selection by theuser, the payment cards being associated with one or more of thefollowing: a bank account, a bank mobile account, a service provideraccount, a digital currency, a universal national currency tokeninterface, a national digital currency, and an electric payment card;wherein upon the selection, a token is sent to the mobile and wearabledevice, the token being associated with a selected payment whereinfurther payments are performed using the token.
 14. The system of claim11, wherein the processor is further configured to downloadapplications, receive and set text, video, and multimedia data.
 15. Thesystem of claim 11, wherein the processor is further configured to:authenticate an identity of the user, the authenticating including oneor more of a password authentication, a voice authentication, and abiometric authentication, wherein the biometric authentication includesone or more of a fingerprint authentication, an iris patternauthentication, a heartbeat authentication, and a vein patternidentification; wherein the vein pattern identification is performedusing scanning of one or more of the following: a palm vein pattern, awrist vein pattern, a hand vein pattern, a leg vein pattern, a foot veinpattern, a neck vein pattern, and a head vein pattern; wherein thefingerprint authentication includes scanning fingerprints swiped acrossone or snore or the following: a screen of the mobile and wearabledevice, a button of the mobile and wearable device, and a rear panel ofthe mobile and wearable device.
 16. The system of claim 11, wherein theprocessor is further configured to: receive a selection of the callingmode via the mode selection elements of the haptic control from theuser; upon the selection, provide a calling interface on the display ofthe mobile and wearable device; and receive, via the calling interface,a call recipient from the user; and perform the call with the callrecipient via a data network.
 17. The system of claim 11, wherein thepayment receiving transaction and the payment sending transaction areperformed using a near field communication (NFC), wherein the NFC isused to pair the mobile and wearable device and a merchant device bybringing the mobile and wearable device into proximity to the merchantdevice, wherein the mobile and wearable device and the merchant deviceare connected to a cloud network, wherein the financial data andauthorizing data associated with the user are stored in the cloudnetwork, wherein upon pairing the mobile and wearable device with themerchant device a Bluetooth connection between the mobile and wearabledevice and the merchant device is established, wherein the paymentreceiving transaction and the payment sending transaction include atleast a pear-to-pear transaction.
 18. The system of claim 11, whereinthe processor is further operable to receive, based on the determiningthe payment transaction type which the user intends to perform, data ofa payment card associated with the user, wherein the data of the paymentcard are received by scanning the payment card, the payment card beingscanned by a camera of the mobile and wearable device by positioning thepayment card in proximity to camera of the mobile and wearable device,wherein the payment card is associated with one or more of thefollowing: a bank account of the user and a virtual currency account ofthe user, wherein the bank account of the user and the virtual currencyaccount of the user are linked to a mobile and wearable device number.19. The system of claim 18, wherein the processor is further operable tostore the data of the payment card into a cloud network, wherein thedata of the payment card are stored in the cloud network as a token. 20.The system of claim 11, wherein the processor is further operable toreceive product data based on scanning of the product data by the mobileand wearable device associated with the user, the product data beingassociated with one or more products; calculate a total price for theone or more products; and receive merchant data, wherein the merchantdata are received by scanning a code associated with the merchant,wherein a scanned code associated with the merchant includes at least aQuick Response (QR) code associated with the merchant, wherein theQR-code associated with the merchant is stored in the mobile andwearable device of the user, wherein the QR-code associated with themerchant encodes at least a merchant account number.
 21. The system ofclaim 20, wherein the processor is further operable to: determine thatthe total price for the one or more products exceeds a predeterminedprice; and based on the determining, send a notification to a merchant,wherein the payment sending transaction includes sending a payment froma phone account of the user to a merchant account.
 22. The system ofclaim 11, wherein the payment receiving transaction and the paymentsending transaction are performed using pairing the mobile and wearabledevice and a merchant device using a reader, the reader being connectedto the merchant device and plugged into the mobile and wearable device.23. A messaging, calling, and one-touch and one-scan payment and buyingmobile platform using a one-touch button comprising: a processorconfigured to: provide the one-touch button associated with themessaging, calling, and one-touch payment and buying mobile platform,wherein the one-touch button is shown on a display of a mobile andwearable device, the one-touch button overlapping other visual elements,and wherein the one-touch button includes mode selection elementsassociated with a payment mode, a messaging mode, a calling mode, and amultimedia capture mode; receive a selection of the payment mode via themode selection elements of the one-touch button from a user, wherein theselection includes a single touch of the user to a section element ofthe one-touch button associated with the payment mode; upon theselection, extract context from the display of the mobile and wearabledevice, wherein the context includes a web page, an application screen,or a message in view on the display, and wherein the extraction includesone or more of the following: a payment recipient, a payer account, asender account, and a payment amount; based on the context, determine apayment transaction type which the user intends to perform, wherein thepayment transaction type includes a payment receiving transaction and apayment sending transaction; and based on the determining, automaticallysend a transaction request to a financial institution using theextraction without requesting financial information, authorizing, orconfirmations; and a database in communication with the processor, thedatabase configured to store at least the financial information.
 24. Theplatform of claim 23, wherein the one-touch button is integrated with atleast one mobile application associated with the mobile and wearabledevice, a point of sale device, a currency token service, and electronicpayment card.
 25. The platform of claim 23, wherein the processor isfurther configured to: receive a selection of the messaging mode via themode selection elements of one-touch button from the user; upon theselection, provide a messaging interface on the display of the mobileand wearable device; receive, via the messaging interface, a message anda choice of a recipient from the user; and send the message to therecipient via a data network.
 26. The platform of claim 23, wherein theprocessor is further configured to: receive a selection of the callingmode via the mode selection elements of the one-touch button from theuser; upon the selection, provide a calling interface on the display ofthe mobile and wearable device; and receive, via the calling interface,a call recipient from the user; and perform the call with the callrecipient via a data network.
 27. The platform of claim 23, wherein theprocessor is further configured to: receive a selection of themultimedia capture mode; upon the selection, initiate one or moresensors to capture multimedia to obtain captured multimedia; analyzedthe single touch of the user to the section element of the one-touchbutton associated with the multimedia capture mode to determine aduration of the single touch; based on the analysis, determine a type ofthe multimedia to be recorded, wherein the type of the multimediaincludes an image and a video recording; and record the capturedmultimedia to the database.
 28. The platform of claim 23, wherein the atleast one mobile application is integrated into a software developmentkit and an operating system of the mobile and wearable device, whereinthe operating system is selected from a group comprising: iOS, Android,and Windows Phone, wherein, upon launching of the at least one mobileapplication by the user, the user is prompted to log in and asked toprovide a consent that the at least one mobile application initiatesfuture payments on behalf of the user, wherein during further purchasesthe at least one mobile application is launched by default without aneed for a further action from the user to initiate launching of the atleast one mobile application, the further action including entering alogin and a password by the user, wherein the at least one mobileapplication is associated with performing payments and buying productsor services in the Internet.
 29. The platform of claim 28, wherein uponlaunching of the at least one mobile application by the user, a list ofpayment cards is provided for selection by the user, the payment cardsbeing associated with one or more of the following: a bank account, abank mobile account, a service provider account, a digital currency, auniversal national currency token interface, a national digitalcurrency, and an electric payment card; wherein upon the selection, atoken is sent to the mobile and wearable device, the token beingassociated with a selected payment card, wherein further payments areperformed using the token.
 30. The platform of claim 23, wherein apayment receiving transaction and a payment sending transaction areperformed using an NFC, wherein the NFC is used to pair the mobile andwearable device and a merchant device by bringing the mobile andTearable device into proximity to the merchant device, wherein themobile and wearable device and the merchant device are connected to acloud network, wherein the financial data and authorizing dataassociated with the user are stored in the cloud network, wherein uponpairing the mobile and wearable device with the merchant device aBluetooth connection between the mobile and wearable device and themerchant device is established, wherein the payment receivingtransaction and the payment sending transaction include at least apear-to-pear transaction.